Whether this is your first-time shopping for healthcare, or you’re looking to explore different coverage options, you’re not alone. Many Americans seek the help of an professional to learn more about the different plan options available in their state.

You wouldn’t make a significant purchase without shopping around. Buying healthcare shouldn’t be any different; before you decide on a plan we recommend you get at least 2-3 other plan comparisons. Please consider how much you can afford monthly and the amount of coverage you need.

Most buyers select a plan on price only. Although affordability is important, so is choosing a plan that has coverage for your specific needs. Ask yourself a few questions... “How many times do I plan on seeing the doctor this year?” or “”Does the plan I’m selecting have coverage for my medication?” Make sure to understand your options and ask as many questions as possible when speaking to any agent.

“Does my Doctor accept this?” Different plans have different options when it comes to their network policy. A plan with a broad network of doctors is known as a PPO, while narrow networks are classified as HMO. Ask yourself “do I want the ability to keep my current doctor?” If so, you may want to choose a plan that has access to a PPO healthcare network. If you don’t plan on seeing a specific physician, an HMO network is broad and offers a variety of provider options.

The Patient Protection and Affordable Care Act was the first part of the comprehensive health care reform law passed on March 23, 2010. The law was soon amended by the Health Care and Education Reconciliation Act on March 30, 2010. The phrase “Affordable Care Act” is commonly used to refer to the final, amended version of the law.

Open Enrollment is an annual period when individuals can enroll in a health insurance plan through the Federally Mandated Health Insurance Marketplace. Open Enrollment takes place from November 1st – December 15th, with all plans effective January 1st of the following year.

To enroll in an Affordable Care Act plan outside of Open Enrollment you need to qualify for a Special Enrollment Period based on a life-changing event (i.e. loss of job, new child, recently moved, and various other qualifying events.)